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Real Estate Resources:

• Special Offers - Special offers for Chatham, Harding and Summit homeowners from Tom Heyl.

• Affiliates - Tom Heyl's real estate web site affiliates.

• eNewsletter - Tom Heyl'sChatham, Harding and Summit newsletter email will send you the latest real estate information.

• Today's Real Estate News - Daily real estate news for this neighborhood, New Jersey, and United States.

• Market Conditions Report - Market conditions report for this area, New Jersey, and United States.

• Monthly Payments & Schedule - Monthly loan payments java mortgage calculator.

• How Much Can You Afford? - Calculate how much home you can afford with this financial calculator.

• Determine Tax Savings - Calculate how much your monthly Chatham, Harding and Summit, New Jersey mortgage payments save you on your taxes because of loan interest.

• Should You Rent or Buy? - Is it better to rent a home in New Jersey or buy your own Chatham, Harding and Summit house, ranch, luxury property, condominium, acreage, or other real estate?

• Adjustable Rate Mortgages - Adjustable rate Chatham, Harding and Summit mortgages information and interest rate java calculator.

• What Is Your APR? - Determine the Annual Percentage Rate (APR) for your mortgage.

• Fixed or Adjustable Rate Mortgage? - Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.

• Are Balloon Mortgages For You? - Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers.

• 15 vs. 30 Yr Mortgages - With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms.

• How Much Should Your Income Be? - What income is required to qualify for a mortgage? Use this calculator to find out.

• What's Your Maximum Mortgage? - This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount.

• Will Buying Points Save You Money? - This calculator helps you determine if you should pay for points, or use the money to increase your down payment.

• TripleCalc - FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other New Jersey real estate.

• Top National Real Estate Web Sites - Real Estate Web Sites that include some unique sources of realty information, listings, and more.

• Ask Anything - Ask Tom Heyl anything real estate.

• NUMBER1EXPERTS™ - List of all the NUMBER1EXPERT™ real estate agents and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale.

• Real Estate Tips - Tom Heyl's realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers.

• Real Estate Trivia - Tom Heyl's collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more.

• Real Estate Dictionary - Complete real estate dictionary and glossary of realty words you'll use when you list and sell your Chatham, Harding and Summit property in New Jersey, including legal terms definitions, and more.

• Go to Main Sitemap - Main sitemap sections include Find Chatham, Harding and Summit Homes, For Home Buyers, For Home Sellers, Chatham, Harding and Summit Information, Real Estate Resources, and About Tom Heyl.

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"A model of how the Internet can facilitate the process of deciding where to send your children to school" - America's Best School Profiles by The Heritage Foundation New Jersey Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.   Schools in Chatham, Harding and Summit

Insurance >Hazard Insurance Are you considering taking out hazard insurance on a property before you actually take title? It may be a good idea! Even though you are not yet the owner of record, as the buyer, you have an insurable interest in a property the moment that you and the seller execute the sales agreement. As a matter of practice, however, buyers do not usually take out insurance until the papers change hands, and it should not be necessary if the agreement of sale is properly executed. It is very important to both parties that the agreement states that the property will be insured for a specific amount. From the buyer's point of view, an adequate sum must be stipulated, and the agreement should not read "as now insured", which can indicate that the seller may not want to increase the insurance. As a general rule, the amount of insurance on the buildings on a property should equal the sales price, less the value of the lot. See All Tips In The "Insurance" Category > See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q  What is the world's most valuable piece of furniture? A  The 18th century Italian Badmiton Cabinet owned by the Duke of Beaufort sold in 1990 at Christie's, London for $15.1 million dollars. See More Real Estate Trivia >

Tom Heyl Keller Williams Realty 488 Springfield Ave. Summit, NJ 07901 Office: 908-273-2991 x 116 Mobile: 973-479-1898 Fax: 908-273-2996 TomHeyl@KW.com Born and raised in Chatham Township’s, Green Village, NJ, Tom offers unparalleled local real estate market insight and expertise. Tom is a graduate of the Chatham School system and Rutgers University’s Cook College with a Bachelor of Science degree in agricultural economics. Tom previously worked at his family’s business, Heyl Roses Inc. in Green Village. Heyl Roses was the last and oldest commercial rose and cut flower grower in New Jersey. Tom Heyl has been an active part of the Chatham area community by serving as the former Deputy Chief of the Green Village Fire Department and was an alternate member of Chatham Twp. Board of Adjustment as well as an appointed member of the Morris County farmland preservation committee. Tom currently serves as an active member of the New Vernon Volunteer Fire Department. Tom has two children currently attending Chatham schools. Tom Heyl has been Full Time Realtor since 1998 and is consistently one of our area's top producing Realtors. Tom provides the same excellent level of service to all of his clients whether they are first time buyers or estate caliber sellers. Tom also has a unique perspective and knowledge of new construction, currently working with several fine home builders and renovators. Specializing in the Chatham’s, Madison, New Vernon, Morris Twp., Summit, New Providence and surrounding communities. www.tomheyl.com is brought to you by Tom Heyl NUMBER1EXPERT™ in real estate for Chatham, Harding and Summit, New Jersey Read Tom Heyl's Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge

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